Credit Score Calculator

Credit Score Analysis Sheet

Credit Score Analysis Sheet

Enter your financial details to calculate an optimized credit score.

Please enter a valid DTI between 0 and 100.

Please enter a valid percentage between 0 and 100.

Please enter a valid percentage between 0 and 100.

Please enter a valid number of loans (0 or more).

Please enter a valid number of years (0 or more).

Credit Score: —

Market Analysis

 

 

Market Analysis Data Entry

Indicator Value
Market Segment Growth (%)
Population Size
Average Income Level ($)
Employment Rate (%)
Loan Demand (%)
Interest Rate Sensitivity (%)
Competitor Market Share (%)
Default Risk Level (%)
Customer Savings Behavior (%)
Digital Banking Adoption (%)

 

 

📊 Monthly Cash Flow & Loan System

Month Salary (PKR) Business Revenue (PKR) Other Cash Revenue (PKR) Expenses (PKR) Net Cash Flow (NCF) (PKR)

🏦 Loan Recommendation

Accumulated NCF: 0 PKR

Max Loan Recommendation (50% of Acc. NCF): 0 PKR

📅 Loan Installment Plan

Month Installment (PKR) Principal Paid (PKR) Interest Paid (PKR) Remaining Balance (PKR)

Average Monthly Income Statement

 

 

Monthly Income Statement

Item PKR
Sales Revenue
Cost of Goods Sold (COGS)
Sales Net Income 34615
Electricity, Water, Gas, etc.
Transportation
Taxes & Other Fees
Other Expenses
Total Business Expenses 7000
Business Net Profit 27615
Other Incomes (Salary & Contributions)
Total Household Income 62615

Household Expenses

Grocery and Food
Transportation
Utility Bills
Education
Net Family Expenses 45000
Total Household Savings 17615
u003c!DOCTYPE htmlu003enu003chtml lang=u0022enu0022u003enu003cheadu003en u003cmeta charset=u0022UTF-8u0022u003en u003cmeta name=u0022viewportu0022 content=u0022width=device-width, initial-scale=1.0u0022u003en u003ctitleu003eBusiness Plan Template (Editable)u003c/titleu003en u003cstyleu003en body { font-family: Arial, sans-serif; margin: 20px; }n .tabs { display: flex; margin-bottom: 10px; }n .tab-button {n padding: 10px 20px; border: 1px solid #ccc; cursor: pointer;n background-color: #f1f1f1; margin-right: 5px;n }n .tab-button.active { background-color: #ccc; }n .tab-content { display: none; }n .tab-content.active { display: block; }n table { width: 100%; border-collapse: collapse; margin-top: 10px; }n th, td { border: 1px solid #ccc; padding: 8px; text-align: left; }n th { background-color: #f9f9f9; }n input[type=number] { width: 80px; }n u003c/styleu003enu003c/headu003enu003cbodyu003ennu003ch1u003eBusiness Plan Template (Editable)u003c/h1u003enu003cdiv class=u0022tabsu0022u003en u003cdiv class=u0022tab-button activeu0022 onclick=u0022showTab(‘sheet2’)u0022u003eAssumptionsu003c/divu003en u003cdiv class=u0022tab-buttonu0022 onclick=u0022showTab(‘sheet12’)u0022u003eSummaryu003c/divu003enu003c/divu003ennu003cdiv id=u0022sheet2u0022 class=u0022tab-content activeu0022u003en u003ctable id=u0022monthlyTableu0022u003en u003ctru003en u003cthu003eMetricu003c/thu003en u003cth colspan=u002212u0022u003eMonth 1 → Month 12u003c/thu003en u003c/tru003en u003ctru003en u003ctdu003eNo. of Productsu003c/tdu003en u003ctd colspan=u002212u0022u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022400u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022400u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022450u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022450u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022450u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022500u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022500u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022500u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022500u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022500u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022500u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022500u0022 oninput=u0022calculate()u0022 /u003en u003c/tdu003en u003c/tru003en u003ctru003en u003ctdu003eCost per Productu003c/tdu003en u003ctd colspan=u002212u0022u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022125000u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022125000u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022125000u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022125000u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022125000u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022125000u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022125000u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022125000u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022125000u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022125000u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022125000u0022 oninput=u0022calculate()u0022 /u003en u003cinput type=u0022numberu0022 min=u00220u0022 value=u0022125000u0022 oninput=u0022calculate()u0022 /u003en u003c/tdu003en u003c/tru003en u003ctru003en u003ctdu003eTotal Investmentu003c/tdu003en u003ctd colspan=u002212u0022 id=u0022totalsu0022u003eu003c/tdu003en u003c/tru003en u003c/tableu003enu003c/divu003ennu003cdiv id=u0022sheet12u0022 class=u0022tab-contentu0022u003en u003ctableu003en u003ctru003eu003cthu003eSummary Metricu003c/thu003eu003cthu003eValueu003c/thu003eu003c/tru003en u003ctru003eu003ctdu003eTotal Estimated Investmentu003c/tdu003eu003ctd id=u0022totalInvestmentu0022u003e0u003c/tdu003eu003c/tru003en u003ctru003eu003ctdu003eCompany Share (90%)u003c/tdu003eu003ctd id=u0022companyShareu0022u003e0u003c/tdu003eu003c/tru003en u003ctru003eu003ctdu003eCustomer Share (10%)u003c/tdu003eu003ctd id=u0022customerShareu0022u003e0u003c/tdu003eu003c/tru003en u003c/tableu003enu003c/divu003ennu003cscriptu003enfunction showTab(id) {n document.querySelectorAll(‘.tab-content’).forEach(tab =u003e tab.classList.remove(‘active’));n document.querySelectorAll(‘.tab-button’).forEach(btn =u003e btn.classList.remove(‘active’));n document.getElementById(id).classList.add(‘active’);n document.querySelector(`.tab-button[onclick=u0022showTab(‘${id}’)u0022]`).classList.add(‘active’);n}nnfunction calculate() {n const rows = document.querySelectorAll(‘#monthlyTable tr’);n const products = rows[1].querySelectorAll(‘input’);n const costs = rows[2].querySelectorAll(‘input’);n let total = 0;n const monthlyTotals = Array.from(products).map((input, i) =u003e {n const p = parseFloat(products[i].value) || 0;n const c = parseFloat(costs[i].value) || 0;n const t = p * c;n total += t;n return t;n });nn // Update monthly totals rown document.getElementById(u0022totalsu0022).innerHTML = monthlyTotals.map(t =u003e t.toLocaleString()).join(u0022u003cbru003eu0022);nn // Update summary sheetn document.getElementById(u0022totalInvestmentu0022).innerText = total.toLocaleString();n document.getElementById(u0022companyShareu0022).innerText = (total * 0.9).toLocaleString();n document.getElementById(u0022customerShareu0022).innerText = (total * 0.1).toLocaleString();n}nnwindow.onload = calculate;nu003c/scriptu003ennu003c/bodyu003enu003c/htmlu003en
u003c!DOCTYPE htmlu003enu003chtml lang=u0022enu0022u003enu003cheadu003en u003cmeta charset=u0022UTF-8u0022u003en u003ctitleu003eDigital Loan Request – Aasra Microfinanceu003c/titleu003en u003cmeta name=u0022viewportu0022 content=u0022width=device-width, initial-scale=1u0022u003en u003cstyleu003en body { font-family: Arial, sans-serif; margin: 30px; max-width: 700px; }n h2 { text-align: center; }n form { display: grid; gap: 15px; }n label { font-weight: bold; }n input, select, textarea { width: 100%; padding: 8px; box-sizing: border-box; }n .row { display: flex; gap: 10px; }n .row u003e div { flex: 1; }n button { padding: 10px; font-weight: bold; background-color: #008080; color: white; border: none; cursor: pointer; }n button:hover { background-color: #006666; }n u003c/styleu003enu003c/headu003enu003cbodyu003ennu003ch2u003eCustomer Loan Request Formu003c/h2u003enu003cform id=u0022loanFormu0022u003en u003cdiv class=u0022rowu0022u003en u003cdivu003en u003clabelu003eFull Name *u003c/labelu003en u003cinput type=u0022textu0022 name=u0022fullNameu0022 required /u003en u003c/divu003en u003cdivu003en u003clabelu003eMobile Number *u003c/labelu003en u003cinput type=u0022telu0022 name=u0022phoneu0022 pattern=u0022[0-9]{10}u0022 required /u003en u003c/divu003en u003c/divu003enn u003clabelu003eAddress *u003c/labelu003en u003ctextarea name=u0022addressu0022 requiredu003eu003c/textareau003enn u003clabelu003eGovernment ID Number *u003c/labelu003en u003cinput type=u0022textu0022 name=u0022idNumberu0022 required /u003enn u003clabelu003eProduct Type *u003c/labelu003en u003cselect name=u0022productTypeu0022 requiredu003en u003coption value=u0022u0022u003eu002du002d Select Product u002du002du003c/optionu003en u003coption value=u0022Solar Lightu0022u003eSolar Lightu003c/optionu003en u003coption value=u0022Water Purifieru0022u003eWater Purifieru003c/optionu003en u003coption value=u0022Irrigation Pumpu0022u003eIrrigation Pumpu003c/optionu003en u003coption value=u0022Otheru0022u003eOtheru003c/optionu003en u003c/selectu003enn u003cdiv class=u0022rowu0022u003en u003cdivu003en u003clabelu003eQuantity *u003c/labelu003en u003cinput type=u0022numberu0022 name=u0022quantityu0022 min=u00221u0022 value=u00221u0022 required /u003en u003c/divu003en u003cdivu003en u003clabelu003eUnit Cost (INR) *u003c/labelu003en u003cinput type=u0022numberu0022 name=u0022unitCostu0022 min=u00220u0022 value=u0022125000u0022 required /u003en u003c/divu003en u003c/divu003enn u003clabelu003eRequested Loan Amount (Auto-filled)u003c/labelu003en u003cinput type=u0022numberu0022 id=u0022loanAmountu0022 name=u0022loanAmountu0022 readonly /u003enn u003clabelu003eRepayment Duration *u003c/labelu003en u003cselect name=u0022durationu0022 requiredu003en u003coption value=u0022u0022u003eu002du002d Select Duration u002du002du003c/optionu003en u003coption value=u00226 Monthsu0022u003e6 Monthsu003c/optionu003en u003coption value=u002212 Monthsu0022u003e12 Monthsu003c/optionu003en u003coption value=u002218 Monthsu0022u003e18 Monthsu003c/optionu003en u003c/selectu003enn u003clabelu003en u003cinput type=u0022checkboxu0022 name=u0022agreeu0022 required /u003e I confirm that the above information is true and agree to the loan terms.n u003c/labelu003enn u003cbutton type=u0022submitu0022u003eSubmit Loan Requestu003c/buttonu003enu003c/formu003ennu003cscriptu003en const form = document.getElementById(u0022loanFormu0022);nn function updateLoanAmount() {n const qty = parseFloat(form.quantity.value) || 0;n const cost = parseFloat(form.unitCost.value) || 0;n const total = qty * cost;n const loan = total * 0.9;n form.loanAmount.value = loan.toFixed(2);n }nn form.quantity.addEventListener(u0022inputu0022, updateLoanAmount);n form.unitCost.addEventListener(u0022inputu0022, updateLoanAmount);nn form.addEventListener(u0022submitu0022, e =u003e {n e.preventDefault();n alert(u0022✅ Loan request submitted successfully! We’ll contact you shortly.u0022);n form.reset();n form.loanAmount.value = u0022u0022;n });nn updateLoanAmount();nu003c/scriptu003ennu003c/bodyu003enu003c/htmlu003en
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